7274 Mount Carmel Rd, Covington, TN 38019 Property Records

Tipton County property record for 7274 Mount Carmel Rd, Covington, TN 38019

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,820 sqft · built 1991
Lot Size	1 acres (43,560 sqft)
Owner	Individual Name on File
Last Sale	$315,000 (Aug 2024)
Tax Bill	$847 (2025)
Deeds & Mortgages	May 2026 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`084099 02409`

Property Details

APN / Parcel Number

Primary APN	`084099 02409`
Alternative APN	`099 02409`

Interior

Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Stories	2 Stories
Building Area	1,820 sqft Living Area
1st Floor Area	1,120 sqft
Upper Floors Area	700 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1991
Effective Year Built	Effective 2001
Exterior Material	Siding
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	43,560 sqft (1 acres)
Lot Dimensions	381 ft deep x 113 ft wide
Terrain	Rolling
Garage Type	Finished
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	245 sqft
Deck Area	280 sqft
Patio Area	280 sqft
Utility Building	288 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC
Heating Fuel	Gas
Sewer	Connected
Water Source	Commercial

Location & Zoning

Street Address	7274 MT CARMEL RD
City	COVINGTON
State	TN
Zip	38019-7638
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	DISTRICT: 08, COUNTY AREA: C24
Legal Subdivision	JAMESLAND SEC A
Legal Lot Number	6
Jurisdiction	TIPTON TN
Township / Civil Division	7
Census Block Group	2
Census Block	2012
Census Tract	40800

Owner

7274 Mount Carmel Rd is owned and occupied by an individual who bought it in August 2024.

Source: Tipton County records, as of May 29, 2026

Owner of Record	Individual Name on File
Mailing Address	7274 MT CARMEL RD, COVINGTON, TN 38019-7638
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried Woman

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 14, 2024 · Amount on File
Deed Sale	Aug 14, 2024 · Amount on File
Prior Sale	Apr 1, 1997 · Amount on File
Deed Document Number	2024276704
Deed Book / Page	2049 / 326
Record Updated	Sep 20, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	TIPTON TN
Recording Date	May 21, 2026
Property Address	7274 MT CARMEL RD, COVINGTON, TN 38019-7638
Document Number	0000292609
Book / Page	2125 / 808
Instrument Date	May 14, 2026
Instrument	2026292609
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	MORTGAGE CONNECT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7274 MT CARMEL RD, COVINGTON, TN 38019-7638

Mortgage

Document Number	0000292609,
Date	May 21, 2026
Book Page	2125/808
Instrument	2026292609

Lender

Name	JPMORGAN CHASE BANK N A

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Apr 21, 2056

Interest

Rate	6.3%
Max Rate	-1%

Tax Assessment & Valuation

The 2025 property tax bill for 7274 Mount Carmel Rd was $847.

Source: Tipton County assessment roll, as of January 21, 2026

Property Jurisdictions

Type	Name
State	Tennessee
County	Tipton County
Unified School District	Tipton County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$847.00	$55,675 Land $8,000 Building $47,675
2023		$55,675 Land $8,000 Building $47,675
2022	$797.00
2020			$222,700 Land $32,000 Building $190,700

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 7274 Mount Carmel Rd in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2010.

Source: FEMA National Flood Hazard Layer, effective August 28, 2019 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	3 in force
Nearby Flood Claims	1 (2010)
Claims Outside the SFHA	1 of 1
Most Recent Claim	May 2010 · Severe Storms, Flooding, Straight-line Winds, And Tornadoes

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Wildfire risk around 7274 Mount Carmel Rd is low, with a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 95% of the US · lower than 96% of Tennessee
Wildfire Likelihood	0.01% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	POPLAR GROVE UTILITY DISTRICT serves 19,599 people · EPA ID TN0000201
Water Source	Groundwater
Last State Inspection	Feb 2025
Lead	4 ppb (2026–2028) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 40 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Aeneas Communications Fiber	1,000 / 1,000
Verizon Fixed Wireless	300 / 20